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    • Well we won't need to see all of the documents. Your draft letter of claim should be a good start. In terms of the declared value – I have the impression that you declared a value which was in line with the retail price. Is this something you sold or that you return to a supplier? You will probably win this case but the value could become an issue. Please clarify
    • All of the services listed in the upload link to convert to pdf and/or edit pdfs are online, which means you are uploading your documents to another's servers for the merge, and whilst some claim to delete the files within a given timeframe, we have no method of validating this. And so I avoid this, as I do not want my personal and often sensitive information to be in the hands of another. I'll upload to my website and/or one-drive and provide shareable links instead, this way, I remain in control and everyone shall be able to access my documents - there's much, much more than just those two
    • If you simply respond to the NIP and request for driver's details promptly the police will simply process it in the normal way and either offer you an out-of-court disposal or take court action (and which of those will depend on the speed and limit and your eligibility). They do not routinely ask for proof of insurance and there seems no reason why they should do so in your case. £300 and six points is the fixed penalty amount for no insurance. It can be more if the case goes to court. There is provision for n unlimited fine, up to eight points or a disqualification.   That is all as far as the penalty goes. However, you should not dismiss it too lightly. An endorsement for No Insurance will probably double your insurance premiums in the first year. As well as that, if you also have one or two speeding endorsements, the increase will be considerably more. In fact in those circumstances some of the mainstream insurers will refuse to cover you at all and you will have to go to a "specialist" (which means very expensive) broker. 
    • I think we normally recommend people to follow the upload link
    • I removed them as they have my email address on them, and so shall repost them once my Snagit scrolling capture thing starts working (needs reinstalling I think as it keeps falling over); they are an email that runs over two pages, so would be best suited to a scrolling capture. As for multi page formats, this is harder as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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US elections November 2024 [amended 18/04/24 - HB]


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1553652753_theretheretrumpypants.jpg.29b7412f2c68f0d6df74676979b943ba.jpg

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Apart from Alaska which is almost certainly republican and 3 votes, and North Carolina with 15 votes likely republican

https://www.nbcnews.com/politics/2020-elections/north-carolina-president-results?icid=election_usmap

 

all others are getting more and more likely (but still not certain (including Arizona)) Biden/democrat wins

 

and most votes to be counted seem to be from the VERY democrat leaning larger population areas.

All the massive ranch low population counties have only handfuls of votes outstanding - and they are probably from the 'help' on the ranches.

 

eg

https://www.nbcnews.com/politics/2020-elections/arizona-president-results?icid=election_usmap

 

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Share on other sites

Trump claiming shenanigans by democrats, but it would appear that a number of batches of thousands of postal ballots are being 'found' in sweeps

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Share on other sites

11 minutes ago, tobyjugg2 said:

Trump claiming shenanigans by democrats, but it would appear that a number of batches of thousands of postal ballots are being 'found' in sweeps

'Found' or being brought out to be counted?  As I understood it, traditionally (and maybe only in some states) postal votes are not counted unless they would make a difference.  If one candidate has polled enough votes that the postal votes can't alter the result then they don't even bother with them.  Trump isn't the sharpest tool in the box so I could see him honestly convinced they're an optional extra and only used out of spite to defeat him.

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29 minutes ago, hightail said:

 As I understood it, traditionally (and maybe only in some states) postal votes are not counted unless they would make a difference.  If one candidate has polled enough votes that the postal votes can't alter the result then they don't even bother with them.  

 

 

HH.JPG

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26 minutes ago, honeybee13 said:

There were also sweeps by the US postal service, I don't know if they're still going on.

I guess it depends on the rules by state and if they’re relevant. They each set their own so your postal vote would be valid if postmarked Election Day in one whereas it might need to have been delivered by then in another.  You wouldn’t want to risk a postal worker ‘missing’ the odd sack of mail left in a corner or under a bench.  

 

There are states where the postal ballot can’t make a difference so they’ve declared without them.  Don’t suppose they’ll be bothering so much there no matter when they have to be in by.

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The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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i have placed a blank line between all your links so they are now clickable.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I actually wonder how some people make their way in life. Or maybe they just don't.

 

9 hours ago, hightail said:

 

 

There are states where the postal ballot can’t make a difference so they’ve declared without them. 

 

The counting of valid ballots (mail-in or otherwise) isn't discretionary. All eligible votes are counted. 

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2 minutes ago, cjcregg said:

I actually wonder how some people make their way in life. Or maybe they just don't.

 

 

The counting of valid ballots (mail-in or otherwise) isn't discretionary. All eligible votes are counted. 

That ‘every vote is counted’ seems obvious to us but in Trump’s mind may seem unfair somehow.  It’s him throwing the tantrums, not me.  I’m just interested in why he may believe it’s fraudulent, his reasoning.

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3 hours ago, hightail said:

That ‘every vote is counted’ seems obvious to us but in Trump’s mind may seem unfair somehow.  It’s him throwing the tantrums, not me.  I’m just interested in why he may believe it’s fraudulent, his reasoning.

 

You said it was ''states where the postal ballot can’t make a difference so they’ve declared without them''. Not Trump.

 

Remember?

 

 

Edited by BankFodder
Removal of unhelpful and inflammatory remark
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And the winner is US TV news networks who are going to be arguing ( between commercial breaks) 24/7 for the next 4 months !

 

And US voting regulations in different states make UK system seem very antiquated. UK has ballot with  a cross in box, US have forms that have to be run through computer scanners, ID checks, signatures etc. 

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I liked this from conservative columnist Max Boot in the Washington Post.

 

“I have never been more grateful for President Trump’s incompetence,” writes the conservative columnist Max Boot in the Washington Post. “He can’t even organize a coup d’état properly.”

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Illegitimi non carborundum

 

 

 

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According to CNN in their coverage of the US election result.

 

" This could be the day "   Said many number times on Thursday

 

" This could be the day "  Repeated throughout Friday

 

" This could be the day "  Is it still Friday ? No, Saturday morning and the news anchors are still repeating all of the same information they have for the last 48 hours or more.  Clearing getting totally bored by the situation, with their faces no longer hiding their feelings.

 

And the **breaking news** hot off the press from somewhere in Pennsylvania, is that they are expecting an update at some point very shortly about number of votes still outstanding or on some other point, which they are not really sure about. 

 

Will Saturday be the day or will it be Sunday, Monday...............?

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I'd say it won't be today. Wisconsin and Georgia have recounts, are they doing that over the weekend?

 

It seems fairly academic to me, historically recounts have only changed the figure by a few hundred and Biden's lead runs into thousands in most of the outstanding states.

Illegitimi non carborundum

 

 

 

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The Guardian are using AP's decisions on who has won which state. This is what AP says, from the Live feed at 11.32. There's more detail on the different states if people are interested.

 

I’m sure a lot of people are coming to this live blog just wanting to know when we’ll get a final result, and what is holding it all up. Here’s what the Associated Press (AP) said yesterday about the reasons remaining for not ‘calling’ the final few swing states for one candidate or another.

They all essentially boil down to ‘there’s still enough uncounted votes to swing it either way, and there will likely have to be a re-count in any case’.

 

https://www.theguardian.com/us-news/live/2020/nov/06/us-election-joe-biden-donald-trump-result-latest-who-is-winning-live-2020-updates

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Illegitimi non carborundum

 

 

 

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Warning ! Contains bad language

 

 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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